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About Me


  1. How horrible can some women be! I had a similar with an ex. She had a credit card on my account. When we split up the card company wouldn't cancel it. They said i had to cut it up and return it to them. One day she called at my house and left the card - so i cut it up and returned it. I even phoned them and told them what i had done, again asking them to stop the card. They refused - "until it arrived". My ex made one call, said the dog had eaten the card and they immediately sent her a new card. Naturally they refused to do anything for me. Ditto the police.
  2. Hi All, Not sure if this is the correct forum, I have a somewhat difficult situation I am contending with. in summary; I had a lease vehicle; prior to the end of the lease arrangement I arranged the inspection (Thurs 15th March 2018) and collection (Sat 17th March) with British Car Auctions (BCA) in accordance with what I had to do (inspection within 7 days of collection and end of contract). BCA failed to turn up (i took the day off off work!)! I called BCA who advised that they had made a mistake and schedule my inspection and collection for the incorrect dates. They advised m
  3. I have a client initally wanted to pay for the extra work I done on their website, but after many excuses of paying the wrong person and not having the time it was clear that they did not want to pay. Can I change the passwords to the domain provider pending payment where I will change the password back and they can move to another provider. Am I allowed to do this ? I know I can not suspend the website as the payment is for extra work done on it and not for the actual website hosting.
  4. This is a long story, so I'll try and cut to the chase. Back in 2013 we moved into a property. The landlady who we were renting off asked if she could continue to be registered at the address. She agreed that she would cover all the council tax bills for the property. Two years later we received a letter from the council to "the occupiers" asking us when we moved into the property. We truthfully told them the date. Two months later, we received a massive bill from the council for two years worth of council tax, backdated to the date we moved in. We got in touch with th
  5. I took out a policy on my car 2 years back for alloys and light scratches to the body work. Last month I ended up scratching the alloys and scratching the rear bumper. I reported this last week and was advised that they would not entertain the claim for the following reasons 1. The claim for the alloys needs to be reported within 14 days. I missed this by 2-3 days. I simply wasn't aware of this. 2. They claim the rear bumper is two panels where as its one rear bumper with a silver edging going across it. They don't cover two panel claims. its not two panels. A p
  6. I need some advice as to what I should do... here are the details of my situation. I purchased in to a property scheme run by a vendor in Nov 2008 , where you pay the vendor £2000 and for this they find a buy to let property for you where the rent covers the mortgage payment , the vendor takes care of the purchase of the property, they take care of the solicitor, all the management, (renting, any bills) all bills after two years you have the option to sell the property or to continue to use their services. The Solicitor used was in this with the vendor, the va
  7. RBS have acknowledged by complaint however they have asked 35 questions and given me 4 days to answer. The questions are all financial, employment, medical and status related and refer to 1997. I ma afraid I don't really have answers for the majority and therefore I am seeking opinions or information about the possible outcome should I not be able to provide the information they require. I would appreciate any help or advice that is available.
  8. I wonder if anyone can help? I received a PCN for parking in a disable bay at a private residential underground car park. I challenged this through both the appeal routes (parking operator and The IAS) based mainly on lack of clear signage at the bay. The ground markings are small and painted in red which were not visible while reversing in to the space and not visible once parked. There was a sign on a pillar however this was high up and to the side of the space and again not visible when reversing. My argument is that signage should have been directly behi
  9. Hello, My house is a semi detached, next to my garden fence is a piece of land of which I m trying to acquire . What it is, is that there is public footpath which runs diagonally across it next to my fence. But then round the edge of the land is a ready alternative foot path too Which people also use. I have tried contacting the council, they own the land, but it has been adopted by the Essex highways they said, because of the footpath. One of the reasons for wanting the land is because passers by keep kicking and damaging my fence as the said path is just next to my fence, I have chi
  10. Hi, Need some advice. I sent Vanquis a DSAR request over 4 months ago. I enclosed a £10 cheque which was duly cashed however they failed to provide me with any of the reqested documents (CCA, Terms & Conditions, Default Notices, Deed of assignment etc) I received a 3 page letter consisting of a demand for a further £1 for CCA and a 2 page document consisting of an abreviated table of transactions (I believe this is supposed to constitute a statement) Can someone confirm to me whether the £10 paid for the sar superceeds the requirement for an additional £1 for the cca.
  11. I recently moved out of a shared flat and the lettings agent sent through a dilapidation report detailing any damage to the property, missing items etc. and the deductions from our deposit that would be made as a result. About half of their claims were reasonable, but about half weren't so we disputed what we felt we needed to. We asked for a detailed breakdown of the costs and evidence of the damage (costs had been lumped by room rather than by each item). In response they asked for a counter offer, said a breakdown of costs was not possible, and made reference to 'expensive work' that w
  12. Hello all, I've spent the last couple of hours reading various threads and I have learnt a great deal. However, I need some advice and opinions from you good people. I was involved in a non-fault accident last month. At a four way junction, I was travelling straight ahead and the third party was travelling the opposite way indicating to turn right. At the centre of the junction, where the third party should have stopped and waited for me to clear his path, he did not and hit my car on the front drivers side corner. Dashcam is installed in my car, shows the accident clearly. Also
  13. Hi. I've had a really bad experience with a dealership from whom I purchased a car. That's in another thread and it looks like I am now stuck with a car that I cannot drive. However, when I purchased the car, I also agreed to some additional after sales services. For an additional £995 I got a "Delivery Pack" which included 2 services, 60 valets, 3 MOTS, and the application of a Diamondbrite Paint Protection System. And a full tank of fuel. The only one of these that I have so far had is the tank of fuel when I picked up the car. The only pla
  14. just made the final payment on my ge loan this month it was 10500 over ten years i now recived a letter saying your loan expired on march 2013 . your outstanding balance is4202.61 and needs to be paid in the next 14 days if the balance is not paid your account will continue to attract interest. they have rang me today demanding i must settle this outstanding balance and could do so on monthly payments i told them i would have to get some professional help on the matter before agreeing to any payments i asked what this outstanding balance came from as i made all th
  15. I recently ordered a Vanity unit from Bella Bathrooms (online store). After receiving and installing I found a pin hole size mould crack at the bottom of the sink (manufacturing fault). This was causing a leak under the wash basin. After contacting Bella Bathrooms they agreed to replace the damaged sink for a new one however I have following 2 issues 1) I will now have to pay one day plumber call out charges £100 for removing the old sink and replacing and sealing the new wash basin. 2) After agreeing to deliver the item I've now been told that they wou
  16. Don't know if we are allowed to mention names here, but here goes anyway. Interested to know if a letting agent can legally switch energy suppliers on a house up for rent without notifying or seeking authorisation from the Landlord/owner? Discovered that Countrywide 'sold' the contract to E.on, (who incidentally have a whole department dedicated to that company). Countrywide get a fee (although E.on would not say how much this was) and E.on get a new customer (we know how apathetic most people are on changing their suppliers) on any tariff they choose to set. E.on said they too
  17. Hello all. I hope I'm in the right place. My pension fund has taken a LARGE (£1000+) amount out of my recent payslip. I did not request this additional deduction, but they are arguing that I applied for it online by logging in through my workplace portal. Again I have no knowledge of this, so I immediately changed my login details. However, they are refusing to return the money as they feel they have done nothing wrong. I cannot afford to lose this money. Please tell me where I stand in terms of getting it back? Thank you.
  18. My wife currently gets Additional State Pension on top of her State Pension because she made extra contributions before she retired in 2011. When the new State Pension comes into effect in 2016 it will be at the new rate of £148 for everyone. Will she still get Additional State pension on top of the £148? Or will the £148 be the maximum she will get? It will be unfair and a complete waste of time her making extra contributions if she doesn't get extra!
  19. I've had a motorbike insurance policy for less than six months, which I paid in full up-front. I've now sold the motorbike, which I'm not replacing, so rang to cancel the insurance. I was hoping for a small refund, but I've been told I need to pay AN ADDITIONAL £15 to cancel the policy (over and above the annual premium I've already paid). Regardless of how this is calculated (and whatever the small print says), this is just madness. If they said "OK, we've cancelled the policy, but you don't get a refund", I'd be disappointed. But to be told I have to pay them extra after using less
  20. The company I work for has decided to pass on the cost of the WPL to its staff. which is fair enough. However, they have also decided to add on an additional amount of money which they say will go towards installing a new barrier and other controls. The amount isn't small either. If you want a 5 day permit, the actual cost is £334, but the company is charging £450. Is this legal and can I refuse to pay this additional charge? The more I think about it, it can't be right?! Your advice and thoughts would be much appreciated.
  21. Eon, our energy supplier has slapped us with a £10 charge for late payment of our bill. We pay for our energy on a monthly basis using readings from our smart meters. Readings are taken on 7th of each month and we pay usually just before the end of the month always around the same date give or take a couple of days this month being no different. We have contacted them and demanded that this charge be withdrawn and they have refused. We have asked for a breakdown of how this charge is arrived at and they have not given this breakdown instead referring to their"terms and conditions".
  22. Hi, Having trolled through the various discussions on the forum i think i still need help. I recently received acknowledgment for a claim recently submitted to Barclays on a loan taken out 13yrs ago & they are requesting for additional information, most of which has been provided already or that they know about. Please provide details relating to how the policy was sold to you. You might wish to recall details where the sale took place, who you spoke to.. (surely this is info they should have - after all they sold me the loan, and as it is now 13 years ago i cant
  23. I wonder If anyone has any thoughts. I’ve just successfully passed my post graduate diploma in architecture [RIBA Part 2] and today have received a letter from the university [of Greenwich] stating that I owe them over £500 still – I found this odd as I pay my fees myself and I paid them upfront in September as you basically have no choice and are booted off the course if you haven’t paid in full by December. So I contacted student finance and they state I haven’t paid for and 'extra' 20 credits. A little background – the diploma is 240 credits and it paid for on a per credit ba
  24. My husband received his argos card today, and i got mine as he asked for additional card holder. The limit is 750, but is that for both cards or 750 for each card??
  25. I have put myself off from writing this because I am already on this site in regards to another situation I am currently going through, and the two people who have been assisting me with that may well see this and think to themselves: “Oh God - not them again”. I left Glasgow in May 2009 with a council tax (ct) debt of, apparently, £1000, covering 3 ct years and 2 addresses. While at these addresses I spent a vast majority of my time unemployed, only being employed for 2 christmas temp jobs from Nov/Dec 07 and Aug/Dec 08. Other than that I was in receipt of JSA. When I left Glasg
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